• Title/Summary/Keyword: 모바일 결제 서비스

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A Study on Factors Influencing Acceptance Intention of Fintech -Focusing on Mobile Payment Service- (핀테크 수용에 영향을 미치는 요인에 관한 연구: 모바일 결제 서비스를 중심으로)

  • Lee, Jae Kwang;Kim, Jong Moo;Lee, Kang Eun;Yoon, So Ra;Jo, Hyeon
    • Knowledge Management Research
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    • v.18 no.3
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    • pp.181-199
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    • 2017
  • Recently, the Fintech industry is growing rapidly, and mobile payment service plays a key role in this growth. The purpose of this study is to investigate factors affecting initial acceptance of mobile payment service using Technology Acceptance Model. In the research model, service-related factors such as economic efficiency and security, user-related factors such as user innovativeness and social factors such as social influence were adopted as external variables, and acceptance intention was introduced as dependent variable. Perceived usefulness and perceived ease of use were selected as mediating variables. The collected data were analyzed using SPSS Statistics v22 and Smart PLS 2.0. The results of the study are as follows. First, service-related factors such as economic efficiency and security did not affect the user acceptance intention. Second, individual innovativeness and social influence have significant effects on perceived usefulness and perceived ease of use respectively. And the perceived usefulness and perceived ease of use, which are mediators, have a significant influence on the acceptance intention of mobile payment service. The results of this study will serve as a useful guide for Fintech industries.

An Empirical Study on the Acceptance-Resistance Motivation to Use A Mobile Payment Service : Applying Multivariate Discriminant Analysis (모바일 결제 서비스의 수용-저항 동기에 대한 실증연구: 다변인 판별분석을 중심으로)

  • Jung, Jee-Young;Jeong, Ha-Yeong;Jo, Hyeon
    • The Journal of Information Systems
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    • v.27 no.2
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    • pp.115-134
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    • 2018
  • Purpose In recent years, mobile payment service users have been rapidly increasing. Previous researchers focused on the mobile usage situation such as the elements of mobile payment service, usage pattern, and user behaviors, and the research that is approached from the viewpoint of the user is still insufficient. The aim of this study is to suggest a acceptance-resistance motivation model of choosing a mobile payment service based on the Herzbergs Two-Factor Theory by investigating users' motivation and hygiene factors. Design/methodology/approach For the purpose, literature reviews on factors of choosing a mobile payment service were conducted and classified motivation and hygiene factors. Two hypotheses were set as follows: Hypothesis I is that motivation factors have a positive impact on the choice of mobile payment service, and Hypothesis II is that hygiene factors have a negative impact on the choice of mobile payment service. To test two hypotheses, this study conducted an online questionnaire survey and a multivariate discriminant analysis. Findings The result found that mobile payment service is more likely to be replaced with mobile by improving convenience, simplicity, and ease of use that affect the acceptance motivation of mobile payment service. This result supported the Hypothesis I but not Hypothesis II and contributed to provide implications for future mobile payment service development and marketing utilization.

A Study on the Intention of the Use of Mobile Payment Services: Application of the Technology Acceptance Model (모바일 간편 결제 서비스 이용 의도에 관한 연구 : 기술 수용 모델을 중심으로)

  • Lee, Soo Yeon;Park, Jowon
    • Korean Management Science Review
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    • v.33 no.2
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    • pp.65-74
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    • 2016
  • The present study applies the TAM (Technology Acceptance Model) to investigate the factors that affect the intention to use the mobile payment services. For this purpose five potential variables (perceived usefulness, perceived convenience, ubiquity, innovativeness, and safety risk) that are expected to affect the intention to use the mobile payment services were selected. An online survey was administered, and 339 questionnaires were analyzed. Structure Equation Model (SEM) Analysis revealed that TAM variables (perceived usefulness and perceived convenience) partially influenced the attitude. The perceived usefulness predicted the attitude while perceived convenience did not predict the attitude toward the mobile payment service. Personal characteristics variable (innovativeness) and mobile nature variables (ubiquity, and security risk) were identified as the predictors of the attitude toward the mobile payment service. While innovativeness and ubiquity affected the attitude positively, security risk affected the attitude negatively. Finally, the analysis substantiated the influence of attitude toward the mobile payment services on the intention to use the services. On the basis of findings, managerial implications and suggestions for further studies were discussed.

Predicting intention to adopt mobile card payment service (모바일 카드 결제서비스 수용 의도의 결정 요인)

  • Kim, Hyo-Jung;Lee, Jin-Myong
    • Human Ecology Research
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    • v.58 no.4
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    • pp.497-515
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    • 2020
  • The use of mobile payment services has recently increased in South Korea. Mobile payments allow consumers to purchase items digitally, using a mobile card in an app affiliated with a payment service. This study explores the predictors of intention to adopt mobile payment services. The study employed an A(affective)-B(behavioral)-C(cognitive) model with two antecedent variables: cognitive (perceived usefulness, perceived risk, perceived ease of use, and perceived herding behavior) and affective (satisfaction with the status quo, innovation resistance) responses. An online survey of 405 non-users of mobile payment services aged 20 to 49 years was conducted. The study used SPSS 23.0 for descriptive analysis and Amos 23.0 for confirmatory factor analysis and structural equation modelling. The results are as follows. First, perceived usefulness, perceived risk, and perceived herding behavior significantly influenced innovation resistance. Second, perceived herding behavior significantly influenced subjective norms. Third, innovation resistance and subjective norms significantly influenced the intention to adopt mobile payment services. The findings suggest that the A-B-C model can be useful in understanding consumers' adoption and resistance behaviors and that cognitive and affective responses are important antecedent variables affecting the decision to adopt mobile payment services.

A Study on Chinese Consumers' Acceptance Intention of Mobile Payment Service: A Theory of Consumption Values Perspective (중국 소비자의 모바일 결제서비스 수용의도 연구: 소비가치 이론의 적용)

  • Yong-Keun Lee;Yuwei Xu;Hye-Young Joo
    • Korea Trade Review
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    • v.45 no.2
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    • pp.157-176
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    • 2020
  • Mobile payment services are evolving into a variety of integrated platforms that greatly affect the lives of consumers. In addition, the importance of mobile payment services is being used as a means of payment in cross-border e-commerce. Accordingly, although a number of related studies have been conducted, most of the studies are based on the technology acceptance model. This study analyzes consumer acceptance intention of mobile payment services by applying consumption value theory. Four dimensions were derived from the theory of consumption value: functional value, emotional value, social value and situational value. With this, we identified the impact on consumer acceptance of mobile payment services. The analysis was performed using a structural equation model. Researchers collected 300 copies of the questionnaire from Chinese consumers and used it for analysis. Empirical analysis shows that functional value, emotional value, social value and situational value are all increasing consumers' willingness to accept mobile payment services. In addition, only social values were showing differences in their influence on the acceptance of mobile payment services with age. This study contributes to the development of the relevant field in that few studies describe mobile payment services by applying consumption value theory.

An Empirical Study on Influencing Factors of Intention to Use Third-Party Mobile Payment Services : Applying the Task-Technology Fit Model (과업기술적합도 모형을 활용한 모바일 간편결제 서비스 이용의도의 영향요인에 대한 실증연구)

  • Kim, So-Dam;Lim, Jay-Ick;Yang, Sung-Byung
    • Journal of Information Technology Services
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    • v.15 no.2
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    • pp.185-201
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    • 2016
  • Recently, due to the rapid development of IT (information technologies), a variety of attempts have been made to incorporate IT into other fields such as finance and manufacturing. Among them, a novel concept in the spotlight is FinTech, which is a combined word of finance and technology. FinTech is a line of business demonstrating an innovation development through IT in the financial service industry. One of the most popular types of FinTech is a third-party mobile payment service (MPS), the examples of which can be easily found in South Korea while the actual use of the service is relatively inactive. Therefore, the main purpose of this paper is to empirically investigate influencing factors of intention to use the third-party MPS. Based on individual characteristics and the task-technology fit model, the research model of the study is developed, with switching cost included as a moderating variable. The results of structural equation model testing with 316 potential users of Kakao Pay, one of the most popular business models of the third-party MPS, show that innate innovativeness, task characteristics, and technology characteristics are positively influencing task-technology fit, which in turn significantly affects intention to use the third-party MPS. The negative moderating role of switching cost is also found. These results could help managers develop better strategies to motivate potential users to participate in their services.

Influencing Factors on Users' Resistance to the Mobile Easy Payment Services : Focusing on the Case of KakaoPay Users (모바일 간편결제 서비스에 대한 사용자 수용저항 요인 : 카카오페이 사용자를 중심으로)

  • Kim, Sodam;Park, Philip;Yang, Sung-Byung
    • Journal of Information Technology Services
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    • v.16 no.2
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    • pp.139-156
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    • 2017
  • Since the global financial crisis of 2008, the continuous development and innovation in technology-related fields such as information and communications technology (ICT) are likely to swim against the recession. In this paradoxical situation, the necessity of financial innovation through ICT is on the rise. For this reason, the appearance of Fintech is more meaningful as a new converged industry with the potential to lead financial innovation. The term of Fintech is derived from combining 'Finance' and 'Technology.' In South Korea, one of the most popular types of Fintech is mobile payment. KakaoPay, which is the first mobile easy payment service in Korea, is a much more simplified type of mobile payment service than ones used in the past, and is provided by the most popular mobile messenger service in Korea, KakaoTalk. However, KakaoPay has few active users in spite of its many advantages, which include convenience, simplicity, and a powerful platform. Thus, the main purpose of this paper is to investigate influencing factors of user resistance on KakaoPay. In order to investigate specific factors, a research model is developed based on the unified understanding of user resistance put forth by Laumer and Eckhardt (2012). After gathering online survey data from KakaoTalk users, an empirical analysis is conducted to verify this research model. The results of this study give insights regarding user resistance factors in the Fintech sector, and by so doing, it is expected that the important factors of user resistance could help the diffusion of new services when new mobile payment services appear in the near future.

Intention to use of Mobile Payment Service in Financial MVNO Environment (금융 MVNO 환경에서의 소비자의 모바일지급결제서비스 이용의도)

  • Park, Jin Sung;Kang, In Yang;Han, Pil Koo;Jun, Byoung Ho
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.8 no.2
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    • pp.213-227
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    • 2012
  • Recently MVNO has been adopted to reform the monopoly structure of mobile telecommunication industry in Korea. MVNO is expected to not only enable mobile telecommunication industry more free, but also provide various welfare service with customers, in particular mobile payment system service. Based on TAM, this paper is to investigate the affecting factors of intention to use of mobile payment system service in MVNO environment. The results indicate that all system quality factors are significantly related to both perceived usefulness and perceived easy of use, but only stability of service quality factor is significantly related to the perceived usefulness. Perceived easy of use was found to be siginificantly related to the intention to use of mobile payment system in MVNO environment, but percevied usefulness was not.

Virtual Keypads based on Tetris with Resistance for Attack using Location Information (위치정보로 비밀정보를 유추할 수 있는 공격에 내성이 있는 테트리스 형태 기반의 보안 키패드)

  • Mun, Hyung-Jin
    • Journal of the Korea Convergence Society
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    • v.8 no.6
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    • pp.37-44
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    • 2017
  • Mobile devices provide various services through payment and authentication by inputting important information such as passwords on the screen with the virtual keypads. In order to infer the password inputted by the user, the attacker captures the user's touch location information. The attacker is able to infer the password by using the location information or to obtain password information by peeping with Google Glass or Shoulder Surfing Attack. As existing secure keypads place the same letters in a set order except for few keys, considering handy input, they are vulnerable to attacks from Google Glass and Shoulder Surfing Attack. Secure keypads are able to improve security by rearranging various shapes and locations. In this paper, we propose secure keypads that generates 13 different shapes and sizes of Tetris and arranges keypads to be attached one another. Since the keypad arranges different shapes and sizes like the game, Tetris, for the virtual keypad to be different, it is difficult to infer the inputted password because of changes in size even though the attacker knows the touch location information.

A Study on the Information Security System of Fin-Tech Business (핀테크 기업의 정보보안체계 관한 연구)

  • Kang, Young-Mo;Lee, Young-Geun;Kwon, Hyun-Jung;Han, Keyung-Seok;Chung, Hyun-Soo
    • Journal of Convergence Society for SMB
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    • v.6 no.2
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    • pp.19-24
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    • 2016
  • A Study on the Information Security System of Fin-Tech Business In traditional electronic commerce, there have not been severe issues of trading information through documents in paper or the closed EDI. The scale of e-commerce has increased as internet develops, however, turning to the online e-commerce, which caused a number of issues such as authentication, information forgery, and non-repudiation between the parties. To prevent conflicts from such troubles and perform the post management, security technologies are applied throughout the process of e-commerce, certificates intervening. Lately, meanwhile, FinTech has been creating a sensation around the mobile payment service. Incidents of information leakage from card corporations and hackings imply the need of securing safety of the financial service. Development and evolution of FinTech industry must be accompanied by information protection. Therefore, this research aims to inquire into the information security system of leading FinTech company in a foreign country.